Rent in Schenectady, NY
Across Schenectady's 10 ZIP codes, a 2-bedroom typically rents for about $1,269 a month, with figures from $1,019–$1,711. The highest typical rent is in 12345 ($1,711) and the lowest in 12305 ($1,019). 8 ZIPs have ZIP-level figures from HUD or Census; the other 2 use the county Fair Market Rent. Owner-occupied homes in Schenectady County pay about 2.36% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.24% in the week of Oct 29, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $1,180 | $477–$1,238 | 10 |
| 1 bed | $1,079 | $729–$1,425 | 10 |
| 2 beds | $1,269 | $1,019–$1,711 | 10 |
| 3 beds | $1,590 | $1,186–$2,039 | 10 |
| 4 beds | $2,249 | $1,414–$2,249 | 10 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Schenectady ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Schenectady, NY?
- About $1,269 a month: the median of the typical rents in 10 ZIP codes, which range from $1,019–$1,711. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Schenectady, NY?
- About $1,079 a month: the median of the typical rents in 10 ZIP codes, which range from $729–$1,425. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Schenectady, NY?
- About $1,590 a month: the median of the typical rents in 10 ZIP codes, which range from $1,186–$2,039. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Schenectady, NY?
- About $1,180 a month: the median of the typical rents in 10 ZIP codes, which range from $477–$1,238. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Schenectady, NY?
- About $2,249 a month: the median of the typical rents in 10 ZIP codes, which range from $1,414–$2,249. Figures are gross rent (rent plus tenant-paid utilities).
- Which Schenectady ZIP code has the highest rent?
- For a 2-bedroom, 12345 has the highest typical rent at $1,711 a month, and 12305 the lowest at $1,019.
- What is the property tax rate in Schenectady, NY?
- Owner-occupied homes in Schenectady County pay a typical 2.36% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.24% in the week of Oct 29, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Schenectady rent figures come from?
- Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).